ESAF Small Finance Bank management discussed improving secured loan book, asset quality cleanup, branch expansion and stock price performance

Mon 5 Oct 2026

Secured book growth this year

65 percent

Secured book last year

61 percent

Unsecured book earlier

70 percent

Stock growth six months

90 percent

Stock growth one year

40 percent

Heard on business television between 12:42:32 - 12:45:32 IST.

• Secured book grew from 61% to 65% year-on-year, down from 70% unsecured earlier.
• Stock up about 90% in six months and 40% over one year as investors recognised improving fundamentals.
• Collection efficiency in microloan segment improved to 99%.
• CASA declined about 300 basis points; management said focus is on MSME and car loan book building to recover CASA.
• Gold loan book growing with average yield of ~14.5%; cost-income ratio brought down to 58%; bank has 831 branches across 26 states and 1100 BC customer service centers; management said asset quality plan has been achieved and growth is ahead of plan.

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